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Pick and Pay Later is a convenient smartphone financing scheme by MTN, allowing you to pick up your favorite Samsung smartphone now and pay in easy monthly installments. Enjoy the device you want without the burden of upfront full payment.

How Does It Work?

Eligibility is determined through credit scoring. Once approved, you select a device, make an initial deposit via MTN Mobile Money (MoMo), and collect your phone. The remaining amount is paid over four or six months through monthly MoMo payments.

How to Apply

Simply dial *170#, select Financial Services > Loans > Device Pick and Pay Later. After approval, make the initial deposit and visit one of our service centers with your Ghana Card to pick up your device.

 Terms and conditions

FAQ

What is Pick and Pay Later?What is Pick and Pay Later?

Pick and Pay Later is a device finance scheme offered by MTN in partnership with other entities, allowing customers to acquire smartphones and pay for them later through monthly installment payments.

How does Pick and Pay Later work?How does Pick and Pay Later work?

Eligibility is determined through a credit scoring mechanism. Upon approval, customers select their desired device, pay an initial deposit via MoMo (Mobile Money) to pick up the smartphone, and then pay the remaining amount through MTN Mobile Money over four or six months.

How do I apply for Pick and Pay Later?How do I apply for Pick and Pay Later?

Dial *170#, select Financial Service, Loans, and choose Device Pick and Pay Later. Complete the request by paying an initial deposit and visit any of the selected service centers with your Ghana Card to collect the device.

Service Centers: Accra Mall, Junction Mall, West Hills Mall, Osu Supreme, and Achimota Mall.

Do I need to make payment before acquiring the device?Do I need to make payment before acquiring the device?

Yes, an initial down payment is required before acquiring the device. The amount may vary depending on the chosen device.

What are the payment terms?What are the payment terms?

After making the initial down payment, subsequent payments are settled monthly over four (4) months or six (6) months.

What happens if I default in payment?What happens if I default in payment?

Defaulting on payments results in the smartphone being locked after 24 hours of default. To unlock the device and regain access, the outstanding loan balance must be settled.

What smartphones are available through Pick and Pay Later?What smartphones are available through Pick and Pay Later?

Currently, Samsung smartphones such as Samsung A05, Samsung A15, and Samsung A25 are available on offer.

How do I know if I’m eligible for Pick and Pay Later?How do I know if I'm eligible for Pick and Pay Later?

Dial *170#, select Financial Services, Loans, and proceed to choose Device Pick and Pay Later to confirm eligibility.

What payment methods are accepted for Pick and Pay Later?What payment methods are accepted for Pick and Pay Later?

Payments are made solely via MTN Mobile Money short code *170#, allowing payment of the full outstanding amount or a preferred amount.

Is insurance included for the smartphones under Pick and Pay Later?Is insurance included for the smartphones under Pick and Pay Later?

Yes, insurance coverage is provided for theft and accidental damage.

Can I pay off my device early?Can I pay off my device early?

Yes, you can pay off the remaining balance earlier than the agreed installment period.

Would my initial deposit be given back if I’m no longer interested?Would my initial deposit be given back if I'm no longer interested?

No, the initial deposit or down payment made is non-refundable.

Can I request another smartphone under Pick and Pay Later before completing the installment payments?Can I request another smartphone under Pick and Pay Later before completing the installment payments?

No, you must fully pay off the current device before picking up a new one under the Pick and Pay Later scheme.

Can I upgrade to a higher-priced device under Pick and Pay Later before completing the installment payments?Can I upgrade to a higher-priced device under Pick and Pay Later before completing the installment payments?

No, you cannot upgrade to a higher-priced device while settling your current device loan. Once payment is completed, you can request a new device.

Is there a limit to the number of devices I can purchase through Pick and Pay Later?Is there a limit to the number of devices I can purchase through Pick and Pay Later?

You’re limited to one active loan at a time. If you already have a loan in progress, you won’t be able to apply for another device loan until the existing one has been fully paid off.

Will there be any future implications if I default on Pick and Pay Later payments?Will there be any future implications if I default on Pick and Pay Later payments?

Yes, defaulting on payments can potentially affect your ability to access this service and other credit facilities in the future.

What happens if my device is stolen while under the Pick and Pay Later scheme?What happens if my device is stolen while under the Pick and Pay Later scheme?

In the event of theft, you should immediately visit the service center where you picked up the device from to lodge an official complaint.

Do I need to be an MTN subscriber to use Pick and Pay Later?Do I need to be an MTN subscriber to use Pick and Pay Later?

Yes, Pick and Pay Later is exclusively available to MTN subscribers with an active MoMo Account.

Are there any special offers on Pick and Pay Later Service?Are there any special offers on Pick and Pay Later Service?

Customers who purchase devices under this scheme will enjoy up to 3GB free data bundle every month for 6 months

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